yrkesskadeordninger

Yrkesskadeordninger refers to the set of schemes and laws that provide compensation to workers who suffer injuries or illnesses related to their employment. These are generally no-fault schemes, designed to secure timely medical treatment, rehabilitation, and income support, while reducing the need to establish fault in civil liability claims.

In Norway, the core component is the mandatory yrkesskadeforsikring (occupational injury insurance). Employers are required to have coverage for their employees, either through a private insurer or, in some cases, the public scheme. The system is financed through employer premiums and administered jointly by NAV (the Norwegian Labour and Welfare Administration) and the insurance providers. The authorities handle reporting, assessment, and payment of benefits.

Benefits typically include coverage of medical treatment and rehabilitation costs, sickness benefits during periods away from work, and compensation for permanent disability. Survivors’ benefits may be paid to dependents in cases of death related to work injury. The exact level of compensation depends on factors such as the degree of disability and the worker’s age and employment history.

Claims are initiated after a work-related injury or diagnosis of an occupational disease. The employee or employer reports the incident to the insurer and to NAV, with appropriate medical documentation and evidence of work-relatedness. Benefits are paid according to established timelines, with procedures available to appeal decisions.

Yrkesskadeordninger thus cover both accidents at work and occupational diseases, reflecting the broader aim of protecting workers from the financial consequences of workplace harm.